中国银行业信用风险指引2011.pdf

目 录 Summary …………………………………………………………………………… 1 中国银行业2007年信用风险分析………………………………………………… 1 中国工商银行股份有限公司……………………………………………………… 39 中国农业银行 …………………………………………………………………… 41 中国建设银行 …………………………………………………………………… 43 招商银行股份有限公司…………………………………………………………… 45 兴业银行股份有限公司…………………………………………………………… 47 华夏银行股份有限公司…………………………………………………………… 49 中国光大银行股份有限公司……………………………………………………… 51 广东发展银行股份有限公司……………………………………………………… 53 深圳发展银行股份有限公司……………………………………………………… 55 北京银行股份有限公司…………………………………………………………… 57 上海银行股份有限公司…………………………………………………………… 59 南京银行股份有限公司…………………………………………………………… 61 宁波银行股份有限公司…………………………………………………………… 63 大公商业银行信用评级方法框架………………………………………………… 63 Summary China Banking Industry Credit Risks Analysis 2007 (Summary) Based on comprehensive analysis and in-depth research on the China commercial banks credit conditions, Dagong has given credit rating of 19 major commercial banks. The 19 commercial banks rated has total assets of 31.36 trillion yuan, accounting for 71.35% of the banking sector; and they have generate 279.052 billion yuan profit in 2006, 82.58% of the total profits of the banking sector. The results can basically reflect Chinas banking sectors current development status. With the domestic economy continuing high growth, interest spreads widening, the rapid development of the capital market and the introduction of international strategic investors, as well as the increasingly stringent regulatory standards, China major commercial banks have been improving their corporate governance, level of profitability, and capital adequacy ratio and risk provision since 2006. They have made good progress in risk management capabilities and financial strengths. The ov